Legal
Cookie Policy
Cookie Policy
Reasoned Limited | Company No. 16859259 128 City Road, London EC1V 2NX, United Kingdom
team@reasonedfinance.com | https://reasonedfinance.com
Version 2.5 · Last updated: 18 October 2026
The list below is the current site. Sign-in cookies are set when you sign in. Analytics cookies wait for our banner. Advertising cookies wait for Google’s consent message.
Read it alongside our Privacy Policy and Platform Terms of Service.
1. About this policy
This Cookie Policy explains how Reasoned Limited uses cookies and similar technologies on reasonedfinance.com, app.reasonedfinance.com and the product paths on those hosts (Learn, Compete, Get Hired).
We comply with PECR and UK GDPR. Anything that is not strictly necessary should wait for your consent. Our banner stores the analytics choice and asks again after 6 months. Personalised ads on Learn stay off until you accept them in Google’s consent message.
2. What we found on a real scan
No Meta, TikTok, or LinkedIn pixels are loaded by our shared analytics script.
Logged in (from code): CentralHost sets first-party ch_access and ch_refresh when you sign in. Landing may set rt_ref if you arrive with a referral code.
Similar technologies (not HTTP cookies): local storage and a service worker are used. Those are listed in section 4.
Analytics: Google Analytics 4 and Microsoft Clarity load only after you allow analytics (Accept all, or the analytics choice under Customise). They do not load if tools are not configured.
Advertising: Google ads are on Learn only, and only on pages with publisher content: the sidebar on wide screens, and one in-flow banner on smaller screens. That banner is not fixed over the navigation. The ad script is on those pages. Advertising cookies and personalised ads stay off until you accept them in Google’s consent message. Third parties, including Google, may place and read cookies on your browser, or use web beacons and IP addresses, as a result of that ad serving. How Google uses data when you use our partners’ sites or apps.
Email: we send mail from self-hosted BillionMail, not Brevo. Open/click tracking depends on the template; it is not a browser cookie on the Platform.
3. Cookies and similar technologies we use
3.1 Strictly necessary — no consent required
| Name | First or third party | Purpose | Duration |
|---|---|---|---|
ch_access | First-party (CentralHost, typically .reasonedfinance.com) | Signed-in session (JWT). HttpOnly | Access token TTL (minutes; configured as jwt_access_ttl) |
ch_refresh | First-party | Silent session refresh. HttpOnly | Refresh token TTL (configured as jwt_refresh_ttl) |
rt_ref | First-party (Landing) | Stores a referral code from the URL so sign-up can attribute it | 30 days |
reasoned_theme | First-party | Remembers light/dark theme if you set it via cookie | Persistent until changed |
| Stripe cookies | Third-party, Stripe domains | Checkout and fraud prevention | Only on payment pages; Stripe controls duration |
3.2 Consent record (first-party local storage)
| Name | Purpose | Duration |
|---|---|---|
rt_analytics_consent | Stores { analytics, advertising, updatedAt, expiresAt, version: 2 } after you use the banner | Until you clear site data, or 6 months |
rt_utm | First-party record of UTM / ref / r from the landing URL. Written without waiting for the banner. Not sent to Google until analytics is accepted | Until you clear site data |
rt_consent (cookie, .reasonedfinance.com) | Copy of your cookie choice so it applies on both reasonedfinance.com and app.reasonedfinance.com. Change it any time in Settings → Security → Cookies, or the footer “Cookie settings” link | 6 months |
The same choice is stored in central_cookie_consents and is included in your data export when you are signed in. The banner asks again after 6 months. Our banner stores the analytics choice. Google’s message stores the advertising choice.
3.3 Analytics — only after analytics consent
| Name | Provider | Purpose | Typical duration |
|---|---|---|---|
_ga, _ga_* | Google Analytics 4 | Distinguish visitors and measure pages | Up to 2 years (Google default) |
Clarity cookies (for example _clck, _clsk) | Microsoft Clarity | Session replay / heatmaps. We do not send your name or email to Clarity | Provider default |
rt_session_id (session storage) | Reasoned (first-party) | Counts page visits across our sites. We store the page address (IDs removed), this tab-session ID, the referring site, and your account ID if you are signed in. Included in your data export. We also measure how long each page stays visible and add that to a single average per page, without keeping the individual time or anything that identifies you | Until the tab closes |
GA4 is configured with anonymize_ip, and Google signals / ad personalization flags are off in our loader.
3.4 Advertising — AdSense (Learn only)
| Name | Provider | Purpose |
|---|---|---|
Google AdSense / DoubleClick cookies (for example IDE, others Google sets) | Learn sidebar on wide screens, and one in-flow banner on smaller screens, only on pages with publisher content. The ad script loads with those pages. Advertising cookies and personalised ads stay off until you accept Google’s consent message |
The ad script loads with the Learn content page. Advertising cookies and personalised ads stay off until you accept Google’s consent message. Google’s use of that data is described at How Google uses data when you use our partners’ sites or apps.
3.5 Functional local storage (not used for advertising)
| Name | Purpose |
|---|---|
reasoned-theme / rt-theme | Light/dark theme |
rt-edu-referral-code, rt_pending_ref | Referral code held across the sign-up modal |
PWA keys in reasoned-pwa.js | Install / last-prompt timestamps |
3.6 Service worker cache
The installable PWA caches shell assets so pages load on a poor connection. That cache is first-party. Clearing site data or unregistering the service worker removes it.
3.7 Categories we do not use today
We do not load Meta, TikTok or LinkedIn advertising pixels. We do not use Brevo (or Brevo email cookies) on the Platform. We do not send WhatsApp or marketing SMS.
4. The banner and Cookie settings {#settings}
4.1 With no stored choice, the banner offers Reject optional, Customise, and Accept all. Customise has separate analytics and advertising choices.
4.2 Reject optional leaves analytics and advertising off. Accept all turns both on.
4.3 Non-essential analytics cookies are not set until you accept. The Learn ad script loads on content pages. Advertising cookies stay off until you accept them in Google’s consent message.
4.4 Open Cookie settings (also in the footer) to change your mind. That re-opens the same banner.
4.5 Closing the tab without choosing leaves analytics and advertising off.
5. If you block cookies
Blocking ch_access / ch_refresh will sign you out and stop authenticated use. Refusing analytics does not block Learn, Compete or Get Hired.
Browser help:
- Chrome: https://support.google.com/chrome/answer/95647
- Firefox: https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer
- Safari: https://support.apple.com/en-gb/guide/safari/sfri11471/mac
- Edge: https://support.microsoft.com/en-us/microsoft-edge/delete-cookies-in-microsoft-edge-63947406-40ac-c3b8-57b9-2a946a29ae09
6. Third-party services
- Stripe — payments. https://stripe.com/cookies
- Google — sign-in, Analytics, AdSense. https://policies.google.com/technologies/cookies
- Microsoft Clarity — https://privacy.microsoft.com/privacystatement
- TradeLocker — competition sim, if you open that environment
- Discord / Instagram / LinkedIn — only if you follow our social links
7. Changes
We will update this page when a new scan or a product change adds or removes a cookie. Version and date are at the top. Previous versions stay at /legal/cookies/v1 after a replacement is published.
The banner stores the choice in central_cookie_consents and asks again after 6 months.